Welfare broker

SAGINAW BAY UNDERWRITERS

Mailing address (most recent filing)

1258 WASHINGTON AVENUE

SAGINAW, MI 486012509

Total comp: $435K
Commissions: $365K
Fees: $70K
Filings: 27
Sponsors: 27

Carrier mix

Where SAGINAW BAY UNDERWRITERS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

STANDARD INSURANCE COMPANY33.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
STANDARD INSURANCE COMPANY	1	$3.8M	33.3%
RELIANCE STANDARD LIFE INSURANCE COMPANY	1	$375K	33.3%
UNITED OF OMAHA LIFE INSURANCE COMPANY	1	$124K	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	3	$4.3M	0.1%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of SAGINAW BAY UNDERWRITERS's plans by broker comp / premium ratio. Median 5.87% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of SAGINAW BAY UNDERWRITERS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where SAGINAW BAY UNDERWRITERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
MICHIGAN SUGAR COMPANY MICHIGAN SUGAR COMPANY WELFARE BENEFIT PLAN	MI	$3.8M	$170K	STANDARD INSURANCE COMPANY
SAGINAW COOPERATIVE HOSPITALS DBA CMU MEDICAL EDUCATION PARTNERS CMU MEDICAL EDUCATION PARTNERS HEALTH AND WELFARE BENEFITS PLAN	MI	$375K	$22K	RELIANCE STANDARD LIFE INSURANCE COMPANY
ANDREWS HOOPER PAVLIK PLC ANDREWS HOOPER PAVLIK PLC WELFARE BENEFIT PLAN	MI	$124K	$11K	UNITED OF OMAHA LIFE INSURANCE COMPANY

Carrier

Plans

Premium

STANDARD INSURANCE COMPANY

$3.8M

33.3%

RELIANCE STANDARD LIFE INSURANCE COMPANY

$375K

33.3%

UNITED OF OMAHA LIFE INSURANCE COMPANY

$124K

33.3%

State

Plans

Premium

State share

Index

$4.3M

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

MICHIGAN SUGAR COMPANY

MICHIGAN SUGAR COMPANY WELFARE BENEFIT PLAN

$3.8M

$170K

STANDARD INSURANCE COMPANY

SAGINAW COOPERATIVE HOSPITALS DBA CMU MEDICAL EDUCATION PARTNERS

CMU MEDICAL EDUCATION PARTNERS HEALTH AND WELFARE BENEFITS PLAN

$375K

$22K

RELIANCE STANDARD LIFE INSURANCE COMPANY

ANDREWS HOOPER PAVLIK PLC

ANDREWS HOOPER PAVLIK PLC WELFARE BENEFIT PLAN

$124K

$11K

UNITED OF OMAHA LIFE INSURANCE COMPANY